Ca Vishal Agarwal Email and Phone Number

Utilized commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients. Independently analyzed and at times worked with a team of senior Credit Officers, to evaluate the risk to complete periodic credit review of clients within the portfolio.Understood and assessed the customer’s business model and its viability in the long run. Identified additional information requirements needed to properly assess risks of the transactionReviewed and analyzed the financial strength and soundness of corporate clients to identify key risks to the continued credit worthiness of the business along with appropriate mitigating factorsConsidered alternatives to mitigate risk where appropriate. Recommend action to be taken in unfavorable scenarios. Ensured that credit facilities presented are properly graded. Met defined production and quality scores. Timely submitted proposals with no High-Risk quality review findings.Met assigned timelines and ensured process and policy requirements are met per the business and audit requirements.Kept myself updated with the bank's policies, conventions and followed them diligently.Reviewed completed cases for feedback; acted on feedback provided and timely submitted reworks.Established strong partnerships with internal clients. Demonstrated client centric behavior i.e., be aware of client's expectations, challenges while securing the firm's interest.Exercised appropriate diligence with client information. Completed adhoc work assigned within expected timelines.Recommend rating grades based on analysis for the clients.